I used to have a credit card with First Direct, but that was when I was still on dialup and not really doing e-banking. I seem to recall I closed it when they brought in some evil charges that I objected to and because I never used the credit card anyway but I can't remember. I'll have a look again, & drop you a line if I do go for them, if that's okay?

OTOH, they are part of HSBC ... I had a current account with HSBC for years (starting with their student a/c) and they were awful. Their internet banking helpline was useless too, and when I switched from them to A&L it took me over six months to get HSBC to close my account, during which time they dicked about and lied to me and were generally a big steaming bucket of fail. :-{ I think, actually, A&L still haven't messed me about as much as HSBC did!